It turns out that the best investment must be real estate, with an average annualized investment of more than 20% in 15 years. But now the environment does not allow investment in real estate, and the demographic dividend is gradually disappearing. In the long run, the gradual decline in housing prices in non-central cities is a general trend. Equity investment is the only choice for ordinary investors, and buying ordinary bank wealth management has been unable to resist inflation. As the securities market is becoming more and more specialized, it is difficult for ordinary investors to survive, so those who have a certain amount of funds still consider big-name private placement, and the long-term winning rate is extremely high.
In my opinion: maybe it will really be a stock.
Why? There is a simple reason. From the upper level, European and American stock markets have skyrocketed, and China's economy is also in good shape. Why not go up?
The responsibility is still above. Did you read the speech of the financial management leader? The future is to do a good job in stocks.
How can you do it with that little money from the north? Foreign capital alone is not enough! We should still enliven our own capital gate. Don't worry about the stock market!
This is the wish of investors and the meaning of the country. What happened? Let the future tell us!
Pure copper, pure copper, pure copper old things, but you have to have vision and money,
10 years, I think the best investment is equity assets or stock market.
The top three hard-core assets in the world are US stock market, China real estate and Japanese bond market. The common feature of these three types of assets is that they have been rising. The US stock market rose 10 year, China real estate also rose 10 year, and Japanese bond market also rose 10 year.
The next 10 year is far and near, just like 20 10 year, just like yesterday.
I think the best investment is to have a forward-looking vision, see what others can't see, and have the ability to foresee, but most people realize it later, and a larger part is unconscious. So the first two waves of wealth creation missed most people. House prices have gone up, they don't buy houses, and house prices have gone up to heaven. A lot of people took over.
It is said that the price of real estate in China and Shenzhen can buy the whole United States, and the proportion of real estate in family assets is too large. This is similar to the road taken by some developed countries. Only by experiencing the prosperity of real estate and then transforming the economy through consumption, investment and service industry can the economy develop continuously.
This is the stage now. It takes several wallets to buy a house now, and it is also heavily in debt, but will house prices suddenly rise as in previous years?
Moreover, with the continuous appreciation of the RMB, the US dollar is getting cheaper and cheaper, and China's assets, especially equity assets, have become a hot spot for foreign investors to snap up. From the perspective of risk-free rate of return and RMB appreciation, China's assets are the best choice.
On the inflation level, the annual printing speed of the country is much faster than the fixed interest rate of our bank deposits, so savings are also cut off in banks.
Is it true that only equity assets can bring benefits that outperform inflation? The answer is obvious!
10 years, the best investment is to live in real estate. The slogan of not speculating is very loud and the policy is very standardized!
We must understand that our economy is constantly rising, and our growth rate is the highest in the world!
In the past two years, have you found a problem in your life, that is, prices have risen sharply? The sharp rise in prices indicates that there is more money in the market.
The existence of inflation will lead to rising prices, which is produced under the condition of liberalized economy.
Therefore, real estate is not a liberalized market now, that is, the current housing market is the result of state regulation. If you let go, it will definitely rise slowly. But it was crushed.
It is only a matter of time before the economy grows to a certain extent and prices rise to a certain extent, and the real estate market remains motionless.
Think about it, the labor force is rising, steel and cement are rising, and all kinds of raw materials and commodities are rising. In this case, all kinds of costs rise, how can real estate not rise?
It's only a matter of time!
Just like basketball, the more you shoot down, the faster you bounce and the higher you bounce. This is a fact
Investment in the next decade is considered as a capital market by individuals for the following reasons.
1. Due to various factors, the advantages of traditional manufacturing enterprises are absent, and the scale of enterprises is getting bigger and bigger, which exceeds the intervention of general funds, and there is great correlation between enterprises.
2. The development experience of the United States tells us that finance can affect any industry, even politics, and it can cover all parts of the world at the same time! A Wall Street can control the world! With money and status, China can consider conquering the world with finance at this stage!
At present, no matter how much money you have, you can get involved in the stock market. As long as you are not greedy, you can still beat inflation! Otherwise it is leek!
The myth of real estate has been told, leaving everyone with a bright future, and the country will not let her burst!
To solve this problem, we must first understand the current development period of our country. At present, China is equivalent to the United States that rose during the decline of the British Empire, and now the United States is equivalent to the British Empire that declined during the initial rise of the United States.
Referring to the development history of the United States, the order is: agriculture-industry-real estate-stock market.
The reason why the United States can become the largest country in the world in such a short time is that it has stepped on the turning point very accurately, so it has developed very fast.
At present, our national government has realized that the era of relying on real estate development is over, and is stepping into the capital market in an all-round way, gradually clearing the obstacles and paving the way.
What is the best investment in the next decade?
The best investment in the past ten or even twenty years is undoubtedly real estate. But judging from the current intensive policy release, the best investment in the next decade should be equity investment.
The state has repeatedly said that residents' savings should be mobilized. Move to where? It will definitely not be transferred to the real estate market.
Which market can accommodate residents' savings? There is no doubt that it is the equity market.
If you are a financial practitioner, you can invest in fields that require professional knowledge, such as stock futures.
Non-financial employees can choose to invest in equity markets such as funds and bonds.
If the elderly consider their risk tolerance, they can choose to invest in markets such as bonds and bank deposits. Even so.
If I have considerable funds, I want to invest and even expand the pension industry. [Cover your face] [Cover your face] [Cover your face]
Personally, I think the best investment is the carrier of office buildings in first-and second-tier cities, and there is no one.
Investment itself is a risk return. For most people, bitcoin is also necessary, and stock futures are also good. The risks far outweigh the benefits. On the one hand, information is not equal, on the other hand, the amount of funds is not equal. Silly, going in is what happens when you are harvested.
At the same time, inflation is almost an inevitable event under the tone of the central bank printing money and moderate stimulus within ten years, so China's real estate has become a safe and value-added investment method for most people. However, please note that after 20 years of real estate market development (speculation), the price of housing has been far higher than the actual value.
I'm not saying that the houses here will fall down. On the contrary, from an economic point of view, bubbles may not always burst. As long as it is in a benign range, the bubble can exist for a long time and will not even burst, so the strength of the house is basically certain, at least it will not outperform inflation. But when it comes to investment, it depends on the yield, because the price is high now. From the perspective of ten years, the rate of return on housing will continue to decrease, and it may be the same as the GDP growth rate after ten years.
In the past, shops, the so-called "one shop for three generations", have long since ceased to exist with the increase in shop prices and the decrease in rents. If the house barely has 3%-4% operating income, it is more important to have a value-added income that can be quickly realized, and the latter is more important. As for shops, don't look at the guaranteed rate of return of 5% or 8% given by developers. After the guarantee period, it is basically 3-4 points of income, provided that you have to rent it out, let alone sell it. High prices and high taxes have reduced the speed and value-added ability of shops.
Therefore, I recommend the office carrier, which has a stable rate of return, a good rental market and moderate growth ability, and is the most suitable investment target for middle-class and above. However, subdivision conditions have three main points:
1. First-and second-tier cities with good private economy: cities are very important, with good economic performance, especially in the private economy, where the demand for office carriers is large and continues to grow. For the purchase of office carriers, the market is large enough and develops well continuously;
2. There is a business atmosphere or scientific research area in the lot: two kinds of lots are most suitable, a mature business district and a developing scientific research new district. The former has perfect supporting facilities such as government, transportation, commerce and enterprise services, and never lacks customers; The latter will have better support expectations in the future, the current price will be relatively low, and the future appreciation potential will be greater. Of course, the risk will be slightly greater than the former, and it is necessary to carefully judge the implementation probability of the current plan in the future.
3. Convenient public transportation: Nowadays, China's cities are developing very fast. In the past 30 years, it was Hedong Hexi, and now the city center may be transferred in ten years. In this case, you can't blindly bet on the current city center or planning center, but depends on whether the public transportation in this area is convenient, such as whether the subway has been opened to traffic, whether it is convenient to get to the high-speed rail and airport boarding transportation hub, and whether it is convenient to get to the city center.
To meet the above three conditions, the risk of office assets can generally be reduced to the risk-free interest rate level within ten years, that is, unless there is a major economic risk, there will be no major risk in the office market. At the same time, it can basically meet the 5% yield of the year. After ten years, the average rate of return can be above 8%, and it is very likely to develop better than 10%. At the same time, it is more convenient to take care of it in the future. Intermediaries and customers in the rental market are very mature and will not take up too much energy.
Family statement, for reference only, thank you for reading.